WishON Finserv Solutions
Loan Against Property
A mortgage loan against a property you already own — for business expansion, education, or working capital. Tickets up to ₹50 crore depending on property, LTV, and lender. Filed for individuals, firms, companies, trusts, hospitals, and schools with private banks and NBFCs.
- Eligibility from partner banks and NBFCs
- Indicative rates from 9.25% p.a.
- Official CIBIL report — free once a year on cibil.com
HDFC Bank Limited
Axis Bank Limited
Bajaj Finance Limited
Tata Capital Limited
Cholamandalam Investment and Finance Company Limited
Aditya Birla Finance Limited
Who it suits
- Self-employed and companies
- Proprietorship, partnership, Pvt Ltd, public limited
- Trusts, NGOs, hospitals, private schools
- Salaried with property
Documents
- KYC and PAN
- Property title and tax receipts
- ITR of 2–3 years
- Bank statements
On this product
- Up to ₹50 crore, depending on property value, LTV, and lender.
- Typical LTV 40–60% of market value after legal and technical.
- End-use is declared; some lenders restrict further property purchase.
- Indicative rate
- 9.25% – 11.75% p.a.
- Amount
- ₹15 L – ₹50 Cr
- Tenure
- Up to 15 years
- Sourcing fee
- ₹0 from the applicant
Lending partners
Full legal names and marks for identification. WishON originates. The institution sanctions, prices, and disburses.
HDFC Bank Limited
Axis Bank Limited
Bajaj Finance Limited
Tata Capital Limited
Cholamandalam Investment and Finance Company Limited
Aditya Birla Finance Limited
Piramal Finance Limited
Indicative EMI
Priced at the floor rate for Loan Against Property. Your offer will move with bureau, FOIR, and the lender.
Loan Against Property: every year from 1 to 15. Subject to lender and age at maturity.
Type with a point — 9.99, 11.50, 14. Type it; do not use 999. Floor for this product is 9.25% p.a.
₹75,000 and above: FOIR / DBR generally 70–75%, bank to bank. You may type a figure inside the band (60.5 is allowed).
- ₹20,000 – ₹35,000: 50%
- ₹35,000 – ₹50,000: 55%
- ₹50,000 – ₹75,000: 60–65%
- ₹75,000 – ₹1 lakh & above: 70–75%
Sum of EMIs already due — housing, auto, personal, cards minimum due if revolving. Deducted from FOIR before a new loan.